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Complaint with Credit Services Association
Hi all, This post refers to an escalated complaint re: Lowell (:mad: ) which is now lodged with Credit Services Association (CSA) and Financial Ombudsman Service (FOS). Basically Lowell ignored my CCA requests for four months, I reported them to CSA and FOS. I identified 9 areas of the CSA's Code of Practice and 6 areas of…
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Problems getting equifax report
Sorry not sure if this is posted in the right section. My OH filled in the online request form for his £2 statatory credit report from equifax paying by card which they took the payment from on 12th April, nearly 3 weeks ago. He still hasn't received the report which their website says should be recieved within 7 days. I…
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Prepaid cards
I thought it would be a good ide to use one of these new prepaid cards to make purcahses online. The idea being to only charge it up with the amount to spend (effectively using it as a buffer between my account and the internet so that anyone who got the details couldn't go on a spending spree at my expense). Trouble is,…
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Bt
Hi all.I am a newbie to this money saving since I got my head out of the sand at Christmas I hope i have posted my question in the correct place.I have started to try and get my debt down by transferring my credit card debts, £9500 approx.I think I may be trying at the wrong time with the credit crunch in progress as I…
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Section 75 - quick question
Hello, Just a quick question. My parents don't own a credit card and are away to book a holiday - if I put the payment through my own credit card, even though I am not going on the holiday, will the Section 75 protection still apply? Thanks!
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Capital One Classic Card - Dropped Interest Rate!
Up on inspecting my statement I have noticed that Capital One has reduced the interest rate of my Classic card from 34.9% to 28.00%. A message to Capital One Classic Card holders: if you manage your account well, they will give you higher limit and reduce your interest rate! Ofcourse I won't be carrying balance on this…
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Should I report to Information Commissioner?
Hi all, Just wondering if anyone could offer some advice on whether I should report Skycard to the ICO. I wrote to Skycard on 6th March 2008 using MSE's template letter, requesting my default charges, along with a cheque for £10 as advised, and on 14th April, the cheque was cashed. I received a letter from Skycard on 3rd…
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Spending on a BT card
I know it's one of Martin's cardinal sins - to make purchases on a card intended to attract people on the basis of interest-free balance transfers. However, the card has a three-month interest-free purchases period and I am able to repay the FULL amount in May after I get the withdrawal from my savings account. Am I…
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Credit crunch starting to bite or just the same old story
Hi I have recently been turned down for 2 credit cards (Amex platinum cashback and Barlcaycard Platinum). I am a home-owner, excellent salary, pay off my cards, normally in full but have at times incurred the odd bit of interest here and there (not for a while though). Currently I have 3 cards. A Halifax 0% card, close to…
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Credit Score Reject
First time I have ever been rejected by Tesco phoned them they said it was to do with my credit score - I do have two cards with nothing on them that I have not closed down yet - any chance its this. My electoral roll address is my flat which is a second home could that cause an issue - dont think so particulary as have…
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Two rejections??
I have never had a problem getting credit before, I'm a home owner, employed, etc. I have a couple of cards that I switch balances on, so when one came up for renewal I applied to Virgin to switch the balance, and I was rejected. Thought it was strange but wondered if it was due to me trying to transfer too much. Made sure…
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failed balance transfer
i tried to transfer a balance from my wifes capital one card to my 0% barclays card but it was declined. what would be the reason for this? could it be because it was from a card in my wifes name? thanks
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Argos Card
hi,first post so sorry if i have put this in the wrong section..anyway i have a aros card and brought a xbox 360 on it 5months ago i have not yet paid anything back and i hav ebeen told that the 6months interest free period and i know they will add 6months interest onto the balance...now im almost in a postion to pay it…
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Credit Cards and Western Union -
Hi there I am considering transfering some money to someone in India and I was wondering if anyone here has used their credit card with Wester Union and know for certain if it appears as a purchase or cash advance on their statement. I have found out that Western Union themselves charge a slightly higher fee to accept a…
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RBS credit cards
I'm an RBS customer, had current account for 9 years. I've got the RBS Student Visa CC (from the good ole' days) I was wondering if anyone knew if I could apply for their Classic (or gold or platinum) Mastercard CC, it's a much better card.
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Getting Rid Of Card and Loan Debt . . Can I Negotiate?
Ok Im new to this so please be gentle . .and if this is the wrong thread category please point me in the right direction. Back in 2001 I took out several loans and credit cards . . .around 2 years after i became unemployed and shortly after that I entered full time education for a further 3 years followed by unemployment…
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Has anyone got Abbey CC to reduce APR?
Hi everyone I was wondering if anyone had had any joy in getting Abbey to reduce the APR on their CC account? I'm about to have mine increase from 15.9% to 19.9% and don't relly want to pay that. I've just spoken to somone in india who told me that all the banks increase APRs as a matter of normal practice, just like the…
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Capital One Problems
I have read the discussions on here for a while. I have attempted to re-work my debts to help me. I want to transfer a history debt onto another credit card (tesco to cap one). However i snipped up and destroyed the cap one card. They want the security code off the back in order to transfer the debt - i dont know it! So…
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Vprewards
VPREWARDS also know as VISTAPRINT are running a scam where by they put you on there reward scheme without you knowing.and are taken £11.95 out of your account each month,this has happened to my wife twice.we now have our bank looking into it for us.I will let you know what comes of it as soon as i get it.colin:money:
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Orange staff discounts?
Hi, I've worked for orange for a few months now and no-one in my store seems to know where and if we get discount anywhere? If anyone knows please let me know, thankyou :D
